| health Care Reform and Your Pre Existing health
It is no hidden that pre existing conditions inventory for a large amount of uninsured Americans. These are individuals who can not derive affordable condition assurance due to some type of condition linked problem. condition conditions such as high blood pressure, high cholesterol, diabetes, cancer, obesity, heart assault and stroke, are just a few. It's so sad but a family can be financially destroyed by a medical urgency unless they have potential condition insurance. |
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All that is about to turn with the tube of the new patient safety and Affordable Care Act. One of its major components is the elimination of the pre existing condition requirements currently imposed by condition plans. Children will be the first to gain affordable coverage. Starting in September 2010, insurers will no longer be able to exclude children from being on a family procedure because of a pre existing condition. This applies to new policies and for families who already have a condition assurance policy. So much for the good news. Looks like adults will have to wait until 2014 for their condition coverage to honor the new exclusion safety granted to children. However, there is one ray of hope. For the next 3 1/2 years, those adults with pre-existing conditions can find some relief in a new federal backup plan entitled 'Plan B". This is how "Plan B" is suppose to work. Currently approximately 35 states have high-risk pools, some of whom may still be open for new enrollees. Check with your state assurance group to see if your state currently has such a pool. But remember, these existing pools are not the assurance pools that will be established under the new law as "Plan B". States are being asked if they want to start or continue providing a risk pool for their state. If your state does not currently have or does not plan to set up a high-risk pool... No problem. The group of condition and Human Services will originate and administer a pool for your state. So Starting in mid-year 2010, this temporary backup plan will be established for those uninsured individuals who have existing condition problems (particularly individuals who do not have a risk pool in their state or who could not derive coverage in their state pool). This new plan will be created as a short-term, national high-risk assurance pool. Any Us citizens or legal immigrants with condition problems and who has been uninsured for at least six months will be eligible to enroll into this high-risk pool. This federal condition assurance pool will be significantly more affordable than currently state run high-risk pools; however, some individuals may still have premiums of up to 125% of the condition assurance cost for a salutary individual. Per year, the maximum out-of-pocket cost sharing for enrollees should be no more than ,950 for individuals or ,900 for a family. Prime subsidy aid may be available. This federal condition assurance pool will continue straight through 2013. It will then be dissolved in 2014 when condition assurance fellowships are required to offer condition assurance coverage to everybody regardless of their condition condition. health Care Reform and Your Pre Existing health |
health Care Reform and Your Pre Existing health
Universal Health Care - Ethical Issues in Health Care Reform
Universal health care seems to be a hotly debated topic whenever health care reform in the United States is discussed.
Those who maintain that health is an individual responsibility do not want a system that requires them to contribute tax dollars to support fellow citizens who do not act responsibly in protecting or promoting their own health. They argue that they want the freedom to choose their own physicians and treatments, and suggest that government cannot know what is best for them. These people argue that preserving the current system with improvements to provide better insurance coverage for citizens who remain uninsured or under insured for their medical care needs is the only reform that is needed.
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Those who believe health care is an individual right support a universal health care system with the argument that every citizen deserves to have access to the right care at the right time and that a government's responsibility is to protect its citizens, sometimes even from themselves.
Two opposing arguments arising from two opposing ideologies. Both are good arguments but neither can be the supporting argument for implementing or denying universal health care. The matter must be resolved through an ethical framework.
Examination of the ethical issues in health care reform would require consideration of much different arguments than those already presented. Ethical issues would center on the moral right. Discussion would begin with not "What is best for me?" but rather "How should we as a society be acting so that our actions are morally correct?"
Ethics refers to determining right and wrong in how humans relate to one another. Ethical decision making for health care reform then would require human beings to act in consideration of our relationships to each other not our own individual interests.
Examination of some of the common ethical decision making theories can provide a foundation for a different perspective than one that is solely concerned with individual rights and freedoms.
Ethical decision making requires that specific questions be answered in order to decide on whether intended actions are good or morally correct. Here are some questions that could be used in ethical decision making for health care reform.
What action will bring the most good to the most people? What action in and of itself is a good act and helps us to fulfill our duties, obligations, and responsibilities to each other? What action in and of itself shows caring and concern for all citizens?
As the answer to all these questions, universal health care can always be considered the right thing to do.
The United States is in the most advantageous position there is when it comes to health care reform. They are the only developed country without a national health care system in place for all citizens. They have the opportunity to learn from the mistakes that have been made by all the other countries that have already gone down the universal health care road. They have an opportunity to design a system that can shine as a jewel in the crown of universal health care systems everywhere.
However, all ethical decision making is structured around values. In order for universal health care to be embraced by all citizens in the United States, they will first have to agree to the collective value of equity and fairness and embrace the goal of meeting their collective responsibility to each other while maintaining individual rights and freedoms. That may prove to be the most difficult obstacle of all.
Universal Health Care - Ethical Issues in Health Care Reform Health